445 Ann St, Cary, IL 60013 Property Records

McHenry County property record for 445 Ann St, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,532 sqft · built 1961
Lot Size	0.252 acres (10,956 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Apr 2023)
Tax Bill	$7,084 (2024)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19-12-327-004`

Property Details

APN / Parcel Number

Primary APN	`19-12-327-004`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,532 sqft Living Area
1st Floor Area	1,004 sqft
Basement Area	528 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Split Level
Lot Area	10,956 sqft (0.252 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	445 ANN ST
City	CARY
State	IL
Zip	60013-1615
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2023R0008883 LT 69 SUN VALLEY ADDN 2ND ADDN MEMO: SERRANO, ALAN MILLAN/LUJANO, GALILEA
Legal Subdivision	SUN VALLEY ADDN 2ND ADDN
Legal Block	327
Legal Lot Number	69
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2002
Census Tract	871305

Owner

Source: McHenry County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2285 N BARRINGTON WOODS RD, PALATINE, IL 60074-1001
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jul 31, 2017	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2023 · Amount on Record
Deed Sale	Apr 20, 2023 · Amount on Record
Prior Sale	Aug 3, 1998 · Amount on Record
Deed Document Number	20238883
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Apr 20, 2023
Property Address	445 ANN ST, CARY, IL 60013-1615
Document Number	0000008883
Map Reference	DOC 339323
Instrument Date	Apr 14, 2023
Instrument	2023R0008883
Transaction Type	Transfer
Record Updated	May 3, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	445 ANN ST, CARY, IL 60013-1615

Mortgage

Document Number	0000008884
Date	Apr 20, 2023
Instrument	2023R0008884

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.5%

Mortgage

Document Number	0000008885
Date	Apr 20, 2023
Instrument	2023R0008885

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2033

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	445 ANN ST, CARY, IL 60013-1615
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028050
Date	Jul 31, 2017
Instrument	2017R0028050

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.24%
Change Frequency	Monthly

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of March 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Algonquin Township
Municipality	Cary Village
Elementary School District	Cary Community Consolidated School District 26 (PK - 08)
Secondary School District	Community High School District 155 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$7,084.00	$92,125 (+44.93%) Land $17,997 Building $74,128	$276,375 (+44.93%) Land $53,991 Building $222,384
2022	Homeowner's exemption	$63,563 Land $17,250 Building $46,313	$190,689 Land $51,750 Building $138,939

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 28, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2017 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CARY serves 17,826 people · EPA ID IL1110100
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	2 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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